Insurance Advice. Although the Firm does not and cannot express any opinion on the subject, you may be a beneficiary under a policy or policies of insurance that could provide a defense or otherwise indemnify you from any liability to other parties or for damages which you may have suffered that are related to the matter or matters upon which you employ the Firm. The Firm recommends that you consult with your insurance professional as to whether such insurance coverage exists. Representation of you with respect to any insurance issue, including whether you have insurance that might provide coverage, is not within the scope of the Firm’s duties unless expressly provided for in this Agreement.
Insurance Advice. All advice from Optimum is provided following an assessment of your needs and a fair analysis of the market is undertaken to identify suitable plans including Term Assurance, Critical Illness Cover and Income Protection. Paying by commission–(product charges) If we arrange a non-Retail Investment Product (e.g. protection policy) for you, we may receive commission from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through the product charges. We will advise you in writing where any commission is not sufficient to cover our charges and will agree this with you in writing before any fees are due. Cancellation Rights We will always inform you of your statutory right to cancel. You will normally be granted 30 days in which to cancel a life or pension contract, however there may be occasions where this period is 14 days or that no statutory rights are granted. This will be explained before any contract is concluded. Material Interest We will always act honestly, fairly and professionally when dealing with you. Occasionally situations may arise where we or one of our clients have some form of interest in the business being transacted for you. If this happens or we become aware that our interests or those of one of our clients’ conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. You can request a copy of our conflict of interest policy at any time.
Insurance Advice. Tracsafe is not an ‘authorised representative’ of an Australian financial services licensee. As a consequence of the Financial Services Reform Act, Tracsafe cannot provide insurance advice to the committee or lot owners. We rely on an insurance broker to provide this information and advice to the committee and lot owners.
Insurance Advice. All advice from Optimum is provided following an assessment of your needs and a fair analysis of the market is undertaken to identify suitable plans including Term Assurance, Critical Illness Cover and Income Protection. Paying by commission–(product charges) If we arrange a non-Retail Investment Product (e.g. protection policy) for you, we may receive commission from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through the product charges. We will advise you in writing where any commission is not sufficient to cover our charges and will agree this with you in writing before any fees are due. Cancellation Rights We will always inform you of your statutory right to cancel. You will normally be granted 30 days in which to cancel a life or pension contract, however there may be occasions where this period is 14 days or that no statutory rights are granted. This will be explained before any contract is concluded.
Insurance Advice. Tracsafe is not permitted by law to provide specific insurance advice to the committee or lot owners. We rely on insurance professionals to provide this information and advice to the committee and lot owners.
Insurance Advice. Turnberry Financial Planning Ltd does not charge a fee for Insurance advice and services. We are happy to arrange and review your required insurance as necessary. For arranging insurance products for you, we could receive commission from the product provider, where this is the case, the product provider will disclose this to you. We offer products from a range of Insurers for Term Assurance, Mortgage Payment Protection Insurance, Critical Illness Insurance, Income Protection Insurance, Buildings Insurance, Contents Insurance, Accident, Sickness and Unemployment Insurance. Additional Work Essentially fees are about charging for advice – not for the sale. Nevertheless, when you instruct us to implement a transaction you could be charged for the work related to this. You could also be charged for all costs related to providing an on-going service. For any additional work required, our charging rates are below. Before any charges are incurred, we will agree a rate with you. We will tell you if you have to pay VAT. Financial Adviser - £150 per hour Administrator - £50 per hour Time will be calculated in 10 minute intervals Data Protection The information you have provided is subject to the Data Protection Act 1998 (the “Act”). By signing this document you consent to us or any company associated with us processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management. “Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the Financial Conduct Authority or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data. In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK. Where this is the case we will take responsible steps to ensure the privacy of your information. We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested. The information provided may als...
